This home is in Jacksonville.
$365,000Sold3 bd · 2 ba · 1,425 sq ft
Sold·Closed Nov 3, 2026·25 days on market·Recent sales in Jacksonville
12490 Windy Willows Drive N
Jacksonville, FL 32225
About this home
Jacksonville
Tucked away by a quiet cul-de-sac just off Kernan Boulevard, this charming 3-bedroom, 2-bathroom cottage offers the perfect blend of privacy, comfort, and convenience. Set on a spacious .31-acre lot, the home features beautiful Southern-style landscaping and an irrigation system. Picture yourself sipping your morning coffee as the sun rises over the lush backyard, surrounded by mature greenery and the peaceful charm of your own private retreat. The spacious yard is perfect for relaxing, entertaining, gardening, or enjoying Jacksonville's beautiful weather. Thoughtful updates include hurricane-rated 3M window film designed to help prevent cracking while providing heat resistance, along with an updated AC system installed in 2015 and roof replaced in 2021. Enjoy easy access to shopping, dining, entertainment, major roadways, and Jacksonville's beautiful beaches--all just minutes away!
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: material not specified — 2021 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely sewer
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,492 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
As of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Atlantic Beach 19th Street lotabout 4 mi · 14 parking spaces
Closest park or preserve
Dutton Island Preserveabout 3 mi · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)about 3 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Dutton Island Park & Preserve – North Kayak Launchabout 2 mi · Pablo Creek
Closest youth league fields
Ed Austin Regional Parkabout 2 mi · Baseball, Softball, Soccer
Closest grocery store
Aldiabout 2 mi · 12777 Atlantic Blvd., Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,248/yr
Estimated taxes if purchased at asking price: ~$7,200/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Nov 9, 2026Closed$365,000
- Oct 2, 2026Pending$365,000
- Sep 17, 2026Listed$365,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $265/sq ft; this home is listed at $256/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1112 Dorwinion Drive, Jacksonville, FL 32225Listed by RIVER CITY RENTALS AND REALTY | Oct 2026 | $370,000 | $252 | 4/2 | 1,467 | 51 | 0.2 |
| 1313 Chinook Trail, Jacksonville, FL 32225Listed by EXIT 1 STOP REALTY | Sep 2026 | $415,000 | $276 | 3/2 | 1,503 | 57 | 0.5 |
| 1572 Mt Airy Court, Jacksonville, FL 32225Listed by 7 STAR REALTY, INC. | Oct 2026 | $280,000 | $160 | 3/2 | 1,752 | 31 | 0.6 |
| 930 Arkenstone Drive, Jacksonville, FL 32225Listed by MOMENTUM REALTY | Sep 2026 | $415,000 | $291 | 4/2 | 1,425 | 13 | 0.6 |
| 911 Mystic Harbor Drive, Jacksonville, FL 32225Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Oct 2026 | $386,500 | $265 | 3/2 | 1,456 | 7 | 0.8 |
| 12421 Good Neighbor Trail, Jacksonville, FL 32225Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $359,000 | $204 | 3/2 | 1,762 | 74 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER LLC
Sold by: COLDWELL BANKER VANGUARD REALTY (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Nov 3, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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